I wasn't aware until now that it's invite only... I had an invite, not certain how or why or when I was invited but there was a link someplace in my account to sign up for it, sorry didn't pay much attention to the process.
Debit card.... I bank with Chase, they have have a program called Chase rewards, once again I didn't do much to sign up for it, but I've been signed up for some time now.
I need to check out EBates and will look over the Ruby link as well, thanks!
I also do programs like Inbox Dollars, but will stop that as soon as I cash out again, it's just too much.
I also do Paperbackswap.com -- no really points, but love getting books for "free" in the mail.
Most of these programs also have a referral aspect as well.
Of course, promoting them with specific links here on MDC is not allowed, but friends and such have signed up under my link in the past and I've earned matching points/ swagbucks, free book credits at paperback swap, etc.
I know that has helped me some in the past as well.